Your income schedule
Line up weekly, fortnightly or monthly income with bills and repayments. Add known one-off payments on their expected dates.
See what is already committed before your next income arrives.
A budgeting app for Australian households
Budget around payday. Know what's left.
Plan your pay, household bills and everyday spending in one visual budget. See an estimate of what remains after the commitments you enter.Weekly, fortnightly or monthly pay. Annual bills on real dates. No bank connection required.
- 14-day Pro trial — no card
- Free plan available
- Bank connection optional
Your next 30 days
Example planEstimated after upcoming bills
$840
Planned next 30 daysA calmer number that already accounts for the scheduled items below.
IncomeToday+$3,200
RentFriday−$1,600
RegoNext week−$760
Example only. Your estimate is based on the amounts and dates you enter.
Clear about your data
Plan with confidence, not pressure
- No bank link requiredEnter only the numbers you want to plan with.
- Designed for privacyHTTPS and account-level data controls help protect your information.
- Your data stays yoursPro includes export, and every user can request account deletion.
- Human help by emailReach WalletFlow at hello@walletflow.com.au.
Made for real-life timing
Built around the way Australian bills arrive
Each income source and bill keeps its own dates, including different schedules in one household.
Quarterly expenses
Put rego, rates, insurance and other less-frequent costs beside everyday bills.
Spot expensive weeks earlier and give the bigger bills somewhere to land.
A shared household
Bring household income, recurring costs and debts into one plan instead of scattered notes.
Give everyone the same view of what is coming next and what can wait.
Simple setup
From scattered bills to a clear plan
Three straightforward steps. You stay in control of every amount and date.
Add your numbers
Enter your pay, regular bills, debts and due dates. A bank connection is optional.
Line up the dates
WalletFlow places what is coming in and going out on one forward-looking timeline.
Check before you spend
Review the estimate after upcoming bills, then adjust the plan when life changes.
Built for planning ahead
An Australian budget planner for paydays and bills
A monthly total can hide a bill that lands before your pay. WalletFlow brings the dates into your cash flow forecast, using the amounts you enter.
Budget around your pay cycle
Put weekly, fortnightly or monthly pay beside the bills due before your next payday. Add known one-off income on its expected date.
Read the fortnightly budget guide →Plan annual and quarterly bills
Include rego, rates, insurance and renewals in your household budget. Use the due dates to check when the money needs to be available.
Use the Australian bills checklist →Start without linking your bank
Enter your balances, income and bills yourself. Review your spending and update your plan as life changes. Bank connections are optional.
Learn about manual budgeting →Simple pricing
Start free. Upgrade only if you need more.
Every new account includes 14 days of Pro, then automatically becomes Free unless you choose a paid plan.
Free
A$0to get started
Track up to 5 incomes, 10 expenses and 3 debts.
Pro Monthly
A$9.99/month
Billed monthly in AUD
Best value · Save 17%
Pro Annual
A$99.99/year
A$8.33/month, billed yearly in AUD
No card required · your trial becomes Free unless you choose Pro
Web payments processed by our reseller Paddle.com, the Merchant of Record.30-day money-back guarantee — see our Refund Policy.
Budgeting with WalletFlow: your questions
Can I use WalletFlow as a fortnightly budget planner?
Yes. Record your fortnightly payday, then add bills on their actual due dates. WalletFlow also supports weekly, monthly and annual income, custom intervals and known one-off payments. Each income source has its own schedule. If you are paid twice a month rather than every 14 days, use two monthly income entries with different dates.
What's the difference between Free and Pro?
Free lets you track up to 5 incomes, 10 expenses and 3 debts, with forecasts, reports and household sharing included. Pro removes those entry limits and adds full-account CSV and JSON export. Every new account gets 14 days of Pro on the house, then drops to the Free plan automatically (no card on file, nothing to cancel).
Is my financial data safe?
WalletFlow uses encrypted HTTPS connections and account-level database access controls. You can export or delete your data, and WalletFlow does not sell personal information. See the Privacy Policy for the service providers used to operate the app.
Can I budget without connecting my bank account?
Yes. Enter your balances, pay dates, bills and everyday spending manually. A bank connection is optional. Manual entry still requires a WalletFlow account and an internet connection, and your forecast depends on keeping those entries up to date.
How do I budget for annual and quarterly bills?
Start with the amount and due date on each renewal notice. Work out a regular amount to set aside, then check whether the bill is due before you have built up enough. WalletFlow lets you record recurring bills on their dates; it does not move money into savings or pay the bills for you.
Can I cancel anytime?
Yes. Cancel any time from Settings. Your data stays yours, and we offer a 30-day money-back guarantee on web purchases.
Does it work on iPhone and Android?
The web app works on current iPhone and Android browsers and can be added to the home screen. Our native Android app is available through an Australian closed beta for adults using Android 8 or newer. Choose Android beta in the navigation for the tester group and Google Play opt-in steps.
Can my partner or family use it too?
Yes. Household sharing is included — invite a partner or family member with read-only or editor access.
Does it need an internet connection?
Yes. WalletFlow needs an internet connection to load and securely sync your latest financial data. Installing it on your phone still gives you a focused, full-screen app experience.
Is this Australia-only?
WalletFlow is built in Australia, with planning that suits household costs such as rego, council rates and insurance renewals. You can also use it elsewhere and choose your currency and timezone in Settings.
How does WalletFlow help me plan bills before payday?
WalletFlow is a budgeting app that combines the income, bills, debt repayments and spending you record into a cash flow forecast. It helps you see the timing of upcoming commitments alongside your balance. The result is an estimate based on your entries, rather than a guarantee of what you can spend.
Free Australian budgeting guides
Work through paydays, household bills and debt with examples you can adapt.
How to budget fortnightly: an Australian payday plan
Build a fortnightly budget around your pay dates, everyday spending and upcoming bills, with a worked $2,400 Australian example.
6 min read
How to budget without connecting your bank account
A practical guide to manual budgeting in Australia: enter your balances, plan bills around payday and check your forecast against actual spending.
5 min read
12 Australian bills and costs to include in your budget
An Australian bills checklist for rego, rates, insurance and renewals, with practical examples for setting money aside and checking actual due dates.
4 min read
Zero-based budgeting in 10 minutes
Give every dollar a job in your Australian household budget, including bills, spending, savings and a buffer, while checking real payment dates.
4 min read
Debt snowball vs avalanche — which actually works?
Both work. One feels better, one saves more. Here's how to pick the right one for you.
5 min read
HECS-HELP indexation in 2026: the 2.8% rate explained
What the confirmed 2.8% indexation changed, which debt was eligible, and how to keep your budget and HELP balance accurate.
6 min read
A calmer place to begin
Make your upcoming money feel clearer
- 14 days of Pro
- No payment card
- Free plan afterwards